Certified Credit & Collection Bureau Hit with FDCPA Case in Pennsylvania

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A New York woman has filed a proposed class action against Certified Credit & Collection Bureau over the alleged “inappropriate tactics” in which the company engaged in its attempts to collect a medical services debt.

The suit explains the plaintiff was involved in a vehicle accident in late-April 2017. Though her injuries were not life-threatening, the woman was transported to a hospital for evaluation and treatment, according to the complaint. At the time of the accident, the case continues, the plaintiff lived in New Jersey but was covered by an auto liability insurance policy provided to her daughter – a Bucks County, Pennsylvania resident – by Erie Insurance Company.

In February 2018, the plaintiff received a letter from the defendant seeking payment of a $100 balance for the woman’s medical treatment and evaluation, the lawsuit says. However, according to the complaint, the defendant should have but never attempted to recalculate the woman’s purported balance under Pennsylvania’s “Act 6” reduction that dictates that “if Medicare makes any payment for a particular service, then reimbursement for purposes of automobile insurance will be limited to 110% of that amount.”

The balance the plaintiff supposedly owes to Certified Credit & Collection Bureau is significantly less than what the company sought to collect, the lawsuit claims.

“Indeed, it appears that [the defendant] has deliberately and/or willfully avoided any investigation or inquiry of the underlying debt,” according to the case, “as well as the entities or persons that hired, retained, or engaged [the defendant] to collect it.”